Do I have a QLE (Qualifying Life Event)?

Making Changes to Your Health Coverage Outside of Open Enrollment

Overview

Outside of the annual Open Enrollment Period, employees can only make changes to their health insurance coverage—such as adding or removing dependents or changing plans—if they experience a Qualifying Life Event (QLE).

To ensure your change is processed correctly and on time, you must notify SureCo of your QLE within 30 days of the event. All QLEs require supporting documentation submitted within that timeframe.

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✅ What Counts as a Qualifying Life Event?

QLE Type	Action Allowed
Divorce or Legal Separation	Add or remove a dependent
Birth or Adoption of a Child	Add a dependent
Marriage	Add or remove a dependent
Move to a New State or Rate Area	Re-shop plans if your current plan changes or is unavailable (Must have elected coverage before move)
Loss of Other Health Coverage	Add a dependent
Death of a Dependent	Remove a dependent

 

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📌 Important Notes

• Address Changes:
  If your address changes during the plan year, it may affect your health insurance premium. Rates are based on age and geographic location. A move may result in new plan options or premium adjustments.

• Documentation Required:
  All QLEs must be supported with valid documentation (e.g., marriage certificate, birth certificate, proof of address change, loss of coverage notice, etc.). This documentation must be submitted within 30 days of the QLE date.

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❌ Events That Are Not Considered Qualifying Life Events

• Changing jobs within your current employer

• Becoming pregnant (Note: the birth of a child is a QLE)

• Moving within the same rate area

• Being diagnosed with a major illness

• Voluntary termination of COBRA coverage
  (However, fully exhausting COBRA benefits does qualify as a QLE under loss of coverage)

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📧 How to Report a Qualifying Life Event

If you believe you've experienced a QLE:

1. Email: [e-mail]

2. CC your HR specialist

3. Include:

   • A brief description of the event

   • The date the event occurred

   • All required supporting documentation

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If you have questions or need help determining whether your situation qualifies as a QLE, contact the Employee Experience Team or your HR specialist for assistance.